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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,918 | $63,809-76.6% | $81,353-81.7% | $80,935-81.6% |
| Participation rate | 31.6% | 63.9%-32.3pp | 69.5%-38.0pp | 67.7%-36.1pp |
| Annual return | 13.45% | 16.37%-2.9pp | 24.82%-11.4pp | 35.66%-22.2pp |
| Employer contribution / active EE | $587 | $1,981-70.4% | $2,464-76.2% | $2,757-78.7% |
| Participant deferral / active EE | $1,138 | $3,093-63.2% | $3,885-70.7% | $4,299-73.5% |
| Admin fee / account holder | $2,001 | $5,686-64.8% | $5,766-65.3% | $6,924-71.1% |